- Answered live 24/7 · IICRC Certified Firm
Most people file one property claim in their lifetime. We work them every day, from the first photograph to the final invoice.
Adjusters aren’t hostile, but they are working from evidence. Whether a loss reads as sudden or gradual, whether a material was salvageable, whether the drying was adequate: all of it comes down to what was recorded at the time and how the scope was written.
We document from the first visit: moisture readings, thermal images, photographs of cause and of every affected material, daily drying logs, and an estimate written in the software adjusters use. It removes most of what claims get argued about.
| Stage | What We Do | What You Do |
|---|---|---|
| 1. Emergency call | Dispatch a crew, talk you through making the property safe | Call us and your insurer. Photograph everything if it’s safe. |
| 2. Assessment | Inspect, measure, photograph, and write a scope of works | Nothing. The assessment is free and carries no obligation. |
| 3. Mitigation | Emergency work begins to prevent further damage | Approve emergency mitigation. Most policies require it. |
| 4. Adjuster review | Submit the estimate and documentation, negotiate the scope | Give us permission to speak with your adjuster directly. |
| 5. Restoration | Complete remediation and reconstruction to pre-loss condition | Choose finishes. Approve any upgrades beyond pre-loss. |
| 6. Settlement | Invoice the insurer directly for the approved amount | Pay your deductible and any upgrades you selected. |
Send us the claim number and loss details and we’ll take it from first contact through completion, reporting back at each milestone.
Pre-arranged response for property managers and multi-site owners: agreed rates, agreed response times, site details already on file.
Standardised scoping, reporting formats and turnaround targets for insurers and broker networks.
Either, but call someone immediately. If water is actively running or the building is open to weather, call us first. Most policies require you to take reasonable steps to prevent further damage, and emergency mitigation is authorised under that obligation. Then notify your insurer.
In most jurisdictions, no. Insurers maintain preferred-vendor lists and will often suggest one, but you generally have the right to choose your own restoration contractor. Their obligation is to indemnify you for a proper repair, not to pick who does it. Check your specific policy and provincial regulations.
Denials frequently come down to documentation and cause-of-loss characterisation, whether the damage was sudden or gradual, for example. We document cause thoroughly from day one, which is exactly what these disputes turn on. If a denial looks wrong we'll provide the technical evidence for your appeal, and can refer you to a public adjuster or claims lawyer if it goes further.
We prepare the scope and estimate, submit it to your adjuster, agree the numbers, and invoice the insurer directly for the approved amount. You pay your deductible and any upgrades you chose beyond pre-loss condition. You don't front the cost of the job.
It can, and it depends on your insurer, your claims history and the type of loss. For small losses close to your deductible it's worth doing the maths before filing. We'll give you a written scope with a real number so you can make that decision with actual information rather than guessing.
